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Weird Capital One call

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diva0969
Regular Contributor

Weird Capital One call

I was recently denied by Cap 1 for a credit card and called to see if my app could be reconsidered.  It was denied to BK, which of course was discharged last summer. The CSR told me that I could fax all three of my CRs proving my bankruptcy status to them and then they could recon my app.  Has anyone else had this happen to them?  I thought it was strange, especially since all of my CRs are reporting my BK as discharged 06/07.  And they pulled all three (hard) on the initial application!!
Starting Scores: 12/14/14 FICO EQ: 579 EXP: 586 TU: 591
Current Scores: 12/29/15 FICO EQ: 643 EXP: 667 TU: 670
Goal: 750

Message 1 of 4
3 REPLIES 3
NICKI183
Established Contributor

Re: Weird Capital One call



diva0969 wrote:
I was recently denied by Cap 1 for a credit card and called to see if my app could be reconsidered.  It was denied to BK, which of course was discharged last summer. The CSR told me that I could fax all three of my CRs proving my bankruptcy status to them and then they could recon my app.  Has anyone else had this happen to them?  I thought it was strange, especially since all of my CRs are reporting my BK as discharged 06/07.  And they pulled all three (hard) on the initial application!!


Diva-
That is odd to me.  It doesn't sound too safe to send them your CR when they can retrieve that information from their system.  I also have a BK from 02 and I was able to get a regular Cap ( closed now) and a No Hassle Rewards.  I used the backdoor number and received a CLI.
 
I wouldn't follow through with the request because it sounds a bit scammy.   Good Luck.  Dont worry Cap will forgive even if you claims them on your BK- I did.

 
Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%
Message 2 of 4
diva0969
Regular Contributor

Re: Weird Capital One call

Nicki,
 
I thought the exact same thing.  I did use one of the backdoor numbers (the one for account specialist) and this is what she told me. I just thanked her and hung up.  I am surprised that they didn't offer me something though.   I may call again, or just wait a couple of months and try again. 
Starting Scores: 12/14/14 FICO EQ: 579 EXP: 586 TU: 591
Current Scores: 12/29/15 FICO EQ: 643 EXP: 667 TU: 670
Goal: 750

Message 3 of 4
shyboy
Frequent Contributor

Re: Weird Capital One call

Hang up and call again and maybe you will get someone else. That is very unusual.
-------------------------------------------------------------------------------------------------Getting back in the credit game after major setbacks
Message 4 of 4
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